Call reports 2012
RIDGEWOOD SAVINGS BANK — 2012
What RIDGEWOOD SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 4,841,051,000 | 4,834,306,000 | 4,848,258,000 | 4,917,818,000 |
| Total loans | 2,348,319,000 | 2,358,540,000 | 2,356,858,000 | 2,322,362,000 |
| Allowance for loan losses | 11,536,000 | 13,156,000 | 13,972,000 | 17,059,000 |
| Securities available for sale | 2,153,776,000 | 2,129,065,000 | 2,022,079,000 | 1,927,430,000 |
| Securities held to maturity | 3,231,000 | 3,196,000 | 118,519,000 | 292,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,962,867,000 | 3,965,628,000 | 3,950,919,000 | 4,010,766,000 |
| Interest-bearing deposits | 3,727,354,000 | 3,723,861,000 | 3,718,203,000 | 3,745,319,000 |
| Noninterest-bearing deposits | 235,513,000 | 241,767,000 | 232,716,000 | 265,447,000 |
| Equity capital | 614,233,000 | 614,754,000 | 629,311,000 | 621,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 41,306,000 | 82,292,000 | 121,500,000 | 160,513,000 |
| Interest expense | 13,192,000 | 25,752,000 | 37,577,000 | 48,825,000 |
| Net interest income | 28,114,000 | 56,540,000 | 83,923,000 | 111,688,000 |
| Noninterest income | 1,795,000 | 3,772,000 | 5,572,000 | 7,650,000 |
| Noninterest expense | 25,172,000 | 50,753,000 | 76,298,000 | 102,238,000 |
| Provision for loan losses | 729,000 | 2,838,000 | 3,812,000 | 7,372,000 |
| Pretax income | 6,046,000 | 9,888,000 | 17,431,000 | 17,998,000 |
| Income tax | 1,849,000 | 2,988,000 | 5,311,000 | 3,791,000 |
| Net income | 4,197,000 | 6,900,000 | 12,120,000 | 14,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 577,526,000 | 579,352,000 | 586,790,000 | 589,020,000 |
| Total capital | 589,062,000 | 592,508,000 | 600,762,000 | 606,079,000 |
| Risk-weighted assets | 2,474,883,000 | 2,473,254,000 | 2,427,409,000 | 2,449,991,000 |
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